Waterman Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 9.13 percentage points in Q2 2026, from 84.00% to 93.13%. It was the largest change from Q1 2026 among the key lines here. Waterman Bank ranks 84th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 87.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Waterman Bank sits 6.17 points higher, at 87.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $29.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $39.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.01% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.00% |
| Net loans and leases to deposits | 86.54% |
| Loans and leases to core deposits | 93.13% |
| Core deposits to total deposits | 93.42% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 79.82% | 93.18% | $0 | $1.3M |
| Q4 2023 | 81.47% | 94.40% | $0 | $1.3M |
| Q1 2024 | 79.38% | 94.21% | $0 | $1.0M |
| Q2 2024 | 86.19% | 94.01% | $0 | $2.0M |
| Q3 2024 | 84.09% | 93.07% | $0 | $2.0M |
| Q4 2024 | 81.40% | 92.35% | $0 | $2.0M |
| Q1 2025 | 64.76% | 95.64% | $0 | $2.0M |
| Q2 2025 | 81.42% | 93.54% | $0 | $1.7M |
| Q3 2025 | 81.13% | 93.35% | $0 | $1.7M |
| Q4 2025 | 84.88% | 92.65% | $0 | $1.7M |
| Q1 2026 | 78.22% | 93.12% | $0 | $1.7M |
| Q2 2026 | 87.00% | 93.42% | $0 | $1.7M |
Waterman Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterman Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Waterman Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10878) · FFIEC NIC profile (RSSD 604640)